Credit Risk Analyst

Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.

The mission of the Risk & Compliance division is to nurture a mature risk and compliance environment which enables good outcomes, responsible risk taking and informed decision making, as well as providing assurance to our colleagues, customers and stakeholders.

As a result of growth we’re currently seeking an additional Credit Risk Analyst to join our Bristol based team, reporting to the Credit Risk Manager (Portfolio)

Purpose

• Ensure the business continues to lend responsibly and the portfolio is managed within agreed risk appetite.
• Support the ongoing optimisation of credit risk policies and strategy by producing analysis and insight into current portfolio and market trends.
• Contribute to a data-led ethos in decision making within the business.

• Support the Portfolio team in the analysis and assessment of existing and emerging credit risks.
• Monitor and optimise the credit strategy, credit risk appetite and policies, across the credit lifecycle, to ensure these remain robust and aligned to strategic objectives, Ayvens Group standards and regulatory requirements.
• Develop and monitor key performance drivers and portfolio forecasts.
• Perform monitoring for portfolio-level activities, such as limit and exposure management, concentration risk management and default management.
• Produce management information and ad-hoc analysis, providing insight to senior management and the wider business.

• An analytical, detail-orientated and inquisitive mind-set, focussed on pragmatically solving real-world problems, and demonstrated with experience in a previous analytical role.
• Refined communication skills, both verbal and written, and an ability to tailor this to simplify complex topics for a broad audience.
• Driven to continually develop professional knowledge and skills, and adept at researching and applying new techniques or technologies.
• Demonstrates professionalism, integrity and honesty in all work activities. Demonstrates resilience when faced with challenging situations. Able to empathise whilst remaining impartial.

• High standard in IT literacy including office applications.
• Demonstrable coding experience, and knowledge of SAS/SQL/Python preferable.

• Highly numerical background in relevant area, such as statistics or business.
• Demonstrable interest in modelling, analytics or economics preferable.

• A degree in a STEM subject or related field preferable.

Rewards & Financial Benefits

Competitive pension scheme, Annual salary review and bonus scheme, Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000) Retail discounts programme, GymFlex membership options, Cycle to Work scheme

Health & Wellbeing

Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance.

Time Off & Work–Life Balance

25 days’ annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell scheme, Volunteer days , Time allocated for personal development, Study support (where applicable).

Workplace & On‑Site Facilities

Free parking (Limited), EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events

Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified.

At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless! What’s the worst that can happen?!

Why Ayvens?

With over 3.1 million vehicles managed across more than 40 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.

At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.

Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed. Follow our page for the latest updates, news, and insights.